Let me start by repeating my honest assertion that I hope for the best for you. These boards can be famously negative and I try always to be supportive and positive.
That said, you seem to respond to genuine attempts at constructive criticism defensively and you appear to dismiss the input from people with a lot more training and racing experience than you have. The consensus is that yes, you blew up at NYC, most likely because you pushed yourself too hard in training. I'm in agreement with many here that you can go sub-3:00 if you modify your training and listen to advice and to your body.
You can hear many people make claims like, "I was heading for a great PR until I got a calf cramp" or "but I had stomach problems" or "and then my quads started to tighten badly." Frequently the underlying attitude appears to be that these difficulties were unrelated to training preparation or fitness and so were unfortunate byproducts of the circumstances of the day. If only my quads hadn't become sore I would have PRd. But as has been demonstrated very nicely above, those muscles cramps, that stomach problem, that tightening of the hamstrings--all of these are signs of runners pushing themselves at a pace they can't maintain for the duration. Usually it's because they're undertrained. In your case, that 22-miler and your many, many runs at your goal MP probably took too much out of you. Had you trained differently likely you would have gone sub 3 but on the day, No, you weren't prepared and so your body broke down. You say on the very first page that you never get muscle cramps when you race but you've run two marathons and have been hampered significantly by cramps in one of them. That doesn't equal never getting muscle cramps.
So many, many people have offered their explanation as to what happened in NYC. Please remember that the overwhelming opinion is that you ran a great race on a difficult course under adverse pre-race conditions. Secondarily, many think you left too much on the roads on those training runs before race day. Saying "But I felt great" or "I didn't feel drained at all" about those training runs doesn't mean they don't constitute overtraining. You ran too fast on some of your crucial runs and your taper was odd over those four weeks. Additionally, a 24-week cycle likely left you with less spring in your legs than a shorter cycle would have.
As to running this race because, in part, you have nothing to lose, several people disagree with you here. Third marathon at 47, two weeks after your second, on a different surface, etc. The chances of injury are high. The chance of a result that discourages you is high.
I'd say replies are split between Go for it and see what happens and Don't do it wait until spring. The choice is yours. Whatever you choose, listen to your body and remember that we usually do this because it's fun--make it so!
OK, David...not trying to do anyhing here except figure out what happened and move in positive direction....As my soreness diminished and the weather forecast looked good, I figured: give it a try--you have nothing to lose